Cindy Hester

Hi. I’m Cindy, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 812.583.6031 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


My career in financial services began in 1983 as an assistant in the Mortgage Department at the former Citizens National Bank in Bedford. I later worked as a Mortgage Loan Officer and Underwriter at the former Workingmen's Federal Savings Bank in Bloomington. Then I spent several years working as a Certified Financial Planner before returning to my roots in mortgage lending. My passion for financial services and counseling has continued through the years and gives me great satisfaction as I help others reach their dreams of home ownership.

I'm a lifelong resident of Lawrence County and currently a member of the South Central Chapter of the Indiana Mortgage Bankers Association, the Bedford Board of Realtors, and the Bedford Area Chamber of Commerce. Over the years, I've served on various committees and boards including the Chamber of Commerce, the Oakland City University Bedford Campus, and the Hoosier Hills Estate Planning Council.

I genuinely enjoy helping people reach their financial goals and believe that everyone deserves excellent customer service and respect. Prompt and precise communication and caring client education are at the root of my professional relationships.

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

In a hurry?

Apply Online Today and Determine Your Financing with Fast Professional Service.

Apply Online